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This is the most common type of account. These accounts offer a wide range of functionality, including most of the things we usually do through a bank: direct bill payments, paying in and withdrawing money, salary payments, credit and debit cards, and arranging other banking products associated with current accounts.

Current accounts may have one or more holders. They can, therefore, be used by more than one person.

These accounts usually have some associated fees. Use of these accounts online is becoming increasingly widespread. Customers open online current accounts directly using the internet. These accounts often have very low or no fees.